Travel insurance

[Jamerican1]

Speaking as an adjuster for the evil empire known as Insurance (currently Commercial Specialty, with 10+ years of Auto and BI adjusting) do double check your existing policies, you might be surprised to find that Foreign Voluntary Compensation coverage (which almost always includes repatriation) is included in many health insurance policies and 9 times out of 10 the cc you used to purchase your airline tickets/and or hotel has automatic trip insurance included.

This is not to say that all carriers provide the same coverage, but it is worth checking out before buying a separate policy, it's kind of like renting a car, you don't need to buy that extra insurance... ever...

[Craig123]

it's kind of like renting a car, you don't need to buy that extra insurance... ever...

I can only speak from the Canadian insurance perspective. When you consider the territorial limits of most Canadian auto insurance being within Canada and the United States,ther is NO coverage in other jurasdictions including Jamaica. Although the rental company insurance may be questionable and full of loop holes, don't think your existing insurance covers you while in Jamaica. That may be true of some insurance but it's certainly not the norm for Canadian policies.

Always check with your insurer or insurance broker for details on out of country coverage.

[Jamerican1]

I can only speak from the Canadian insurance perspective. When you consider the territorial limits of most Canadian auto insurance being within Canada and the United States,ther is NO coverage in other jurasdictions including Jamaica. Although the rental company insurance may be questionable and full of loop holes, don't think your existing insurance covers you while in Jamaica. That may be true of some insurance but it's certainly not the norm for Canadian policies.

Always check with your insurer or insurance broker for details on out of country coverage.

Sorry, I should have clarified that comment.. I was referring to renting a vehicle within the US. Just using it as an example to check your existing insurance policies as you may not need a seperate policy to have the coverage you desire. (Health, etc..)

[Craig123]

check your existing insurance policies as you may not need a seperate policy to have the coverage you desire. (Health, etc..)

That's very true and good advice. Even when coverage exists, take the time to understand the limitations and exclusions. If your not sure, always check with your broker or insurance provider. Many people discover gaps in coverage after a severe loss has occured. It's best to know beforehand.